I feel it is an accurate description of the DEPLORABLE coverage that AKC Pethealthcare Plan provides. I have a similar problem and now researching other insurance for my pets I have found many companies that offer genetic coverage, kidney coverage, diabities coverage, and actually PAY the claims and provide excellent customer service - UNLIKE the AKC.
I have had multiple pet policies with the AKC for my 4 dogs for YEARS
This insurance is only good for the SMALL STUFF! When you truly need it, they will claim some NONSENSE and deny the claim or give you some line of garbage.
Unfortunately, I needed the insurance and the AKC did NOT PAY as they claim they will.
I STRONGLY suggest if you are purchasing insurance, and think you have a piece of mind knowing you have your beloved pet covered, THEY ARE NOT!!!
I am taking the matter to the IL Dept of Insurance - Public Service Section.
I ask you... do you want to deal with the AKC; and the added loss of your beloved pet and UNPAID Claims of over $8, 000.
You are best checking out an insurance company that pays an annual maximum WITHOUT a per incident restriction. For myself, there were 3 separate hospitalizations that the AKC is considering ONE INCIDENT and DENYING diagnostics as well.
In the end I will see what the IL Dept of Insurance states, but BEWARE -- do you want to deal with this? Unexpected expenses when you are paying a high premium for YEARS and the loss of your beloved pet and these idiots?!